I certainly know that future years the expenses won't remain that low, but wouldn't that be a reality on a property that has a lot of recent improvements?  

This takes a little more work, but it's the fairest and reduces the likelihood of tenants that squander utilities.If you choose #2 or #3, there are considerations:Start with an average.

TBH ink of all the large builders who could take advantage of this as well as people buying homes and being fraudulent with saying they are owner occupied.I am not a fan if tinkering with the real estate market, let it take its natural course which is slow moving but like anything it always moves to a normi also don't view it as interest rate jail I view it as interest rate heaven because those who have the low rates are in utopia compared to others and they don't want to leave a good thing. 

@Jenna ChenHouse hacking a value-add duplex in Atlanta is a smart strategy to build equity while keeping living costs low.

Getting a mother-in-low to co-sign is not the answer.

That ship of low rates that sailed could come back?

Keeps costs low and guests satisfied!

Thankfully we are commercial bank clients so our rates are as low as you can get in the market place for anyone who is not Lennar or DR horton or those types.

Low taxes, low crime, low homelessness, friendly people, all 4 seasons, etc!

We bought the stair tops from Lowes and had them delivered to our house.